Rates

The dividend rates and annual percentage yields are effective as of 03/31/2012.

SAVINGS RATES

Accounts Dividend Rate Annual Percentage Yield Min. Balance to Open Min. Balance to Earn Dividends
Share Savings 0.25% 0.25% $5.00 $100.00
Secondary Savings 0.25% 0.25% $0.00 $100.00
Christmas Club 0.25% 0.25% $0.00 $0.00
Money Market $2,500 $2,500
$0-$2,499.99 0% 0%
$2,500-$24.999.99 0.40% 0.40%
$25,000-$74,999.99 0.50% 0.50%
$75,000 and greater 0.90% .90%
IRA Savings 0.25% 0.25% $0.00 $500.00
Dividend rates and annual percentage yields shown are subject to change. Penalty for early withdrawal. Fees may reduce earnings. If you close your account before dividends are credited, you will forfeit the accrued dividends. Please contact us for additional terms and details.The dividend rates and annual percentage yields are effective as of 1/01/2012.

CERTIFICATE RATES

Term Dividend Rate Annual Percentage Yield Min. Balance to Open Min. Balance to Earn Dividends
6 Month 0.30% 0.30% $500.00 $500.00
12 Month 0.499% .50% $500.00 $500.00
18 Month 0.598% .60% $500.00 $500.00
24 Month .846% .85% $500.00 $500.00
36 Month 1.489% 1.50% $500.00 $500.00
48 Month 1.833% 1.85% $500.00 $500.00
60 Month 2.029% 2.05% $500.00 $500.00
Dividend rates and annual percentage yields shown are subject to change. Penalty for early withdrawal. Fees may reduce earnings. If you close your account before dividends are credited, you will forfeit the accrued dividends. Please contact us for additional terms and details.

Other Savings

Regular Savings

Compounded Daily and Paid Quarterly
 .25%
IRA Savings, Balance over $500

Compounded Daily and Paid Quarterly
 .25%
Holiday Savings Club

Holiday Savings Club interest is compounded daily and paid annually.
 .25%
*APY is Annual Percentage Yield. Rates subject to change without notice. Fees may reduce earnings on share accounts; and early withdrawal penalties may apply on share certificate accounts.